[/QUOTE]Two things I have issue with. Telemetry failure due to interference. If I have no knowledge of potential radio interference and my bird goes down due to it, it isn't my fault, it isn't pilot error. Now that I now know that the construction buildings have high power routers if I were to make the same mistake, yes it would be my fault.
You are correct that physical factors such as fatigue can be a factor in any accident. Tell me how you prove fatigue well after the fact? Poor training, sure but in most cases folks flying drones are self taught, we go out buy a drone, fly it and learn as we go. Agreed this probably isn't the best, but it is reality.
The company I work for gives a performance test to anyone wanting to work for them, and it isn't an easy test because of the environment we work in. However there are people that buy a drone, pickup a business license, and hang their shingle out and there is no performance evaluation required.
Maybe the time will come when someone wanting a commercial drone license will need to prove they can fly it well, and is a safe manner, but that day hasn't come yet. That is why a new private pilot can't jump into commercial aviation until he builds some time, knowledge, and experience.
In your outline of possible causes for an accident or failure you start with pilot error. I have dealt with the FAA many times, and I have never had an accident. One thing I do know, in any incident the first thing they want to do is blame the pilot unless it is blatantly obvious pilot error wasn't a factor.
If you want to not get caught with your pants down due to RF interference you could always get an RF meter and check an area for interference sources before you fly.
Otherwise just get familiar with your failsafes on your particular drone and how it will behave after losing link.
There are usually options for increasing awareness, it often just comes down to knowledge and money.